Hospital
Well insured for a hospital stay

Hospital Insurance

Life happens and with it, events occur that may lead to a hospital stay. You have the choice of three supplementary hospital insurance policies tailored to your individual needs – PRIVATE, SEMI-PRIVATE or GENERAL.

CONCORDIA Hospital Insurance – your advantages

Choice of hospital

Choice of hospital

Free choice of hospital in Liechtenstein and throughout Switzerland

Choice of doctor

Choice of doctor

Free choice of doctor in the hospital with PRIVATE and SEMIPRIVATE Hospital Insurance

For families

For families

Special benefits for families – attractive premiums for children

Select the range of benefits for your supplementary hospital insurance:

Mandatory health care insurance covers the costs of a hospital stay in one of the contracted hospitals of Liechtenstein. Supplementary hospital insurance from CONCORDIA allows you to be well protected and enjoy more comfort and flexibility. This supplementary insurance is available with different ranges of benefits.
recommended
PRIVATE
With PRIVATE Hospital Insurance, be first class around the world
SEMIPRIVATE
Free choice of hospital, free choice of doctor at the hospital – in Liechtenstein and throughout Switzerland
GENERAL
Free choice of hospital – in Liechtenstein and throughout Switzerland
Free choice of hospital

free choice of hospital, free choice of doctor at the hospital – worldwide

free choice of hospital, free choice of doctor at the hospital – in Liechtenstein and throughout Switzerland

free choice of hospital – in Liechtenstein and throughout Switzerland

Choice of doctor in hospital

worldwide

in Liechtenstein and throughout Switzerland

Hotel service
Full coverage of costs

Variable deductibles

If you are prepared to shoulder more responsibility and choose a higher deductible, you can benefit from considerably lower premiums.

Premium reduction for PRIVATE and SEMI-PRIVATE Hospital Insurances

Deductible Premium reduction
CHF   1,000 20 % discount
CHF   2,000 30 % discount
CHF   3,000 40 % discount
CHF   5,000 50 % discount
CHF 10,000 70 % discount

Frequently asked questions regarding hospital stays

  • I have to go to the hospital. What do I have to do?

    In the event of an emergency, ordinarily, you will be admitted into a hospital on the Liechtenstein hospital list . With the help of your CONCORDIA health insurance card – carry it with you at all times! – the hospital can find the address for further information regarding your insurance coverage. The hospital will contact CONCORDIA directly for a confirmation of cover.

    In the event of an emergency while abroad, call the concordiaMed 24-hour emergency service immediately if you have DIVERSA, DIVERSAcare, DIVERSAplus, DIVERSApremium or PRIVATE Hospital Insurance. You will find the number on your health insurance card.

    For a planned hospital stay in the general ward of a hospital found on the Liechtenstein hospital list , generally speaking, no actions are necessary before hospital admission. The hospital will request the confirmation of cover directly from CONCORDIA. We recommend that you bring your health insurance card  with you when being admitted into the hospital.

    For a planned hospital stay in the general ward of a hospital that is not on the Liechtenstein hospital list as well as in the semiprivate or private ward of any hospital, the hospital will inform you of the following in the admission orders:

    • if you must bring a confirmation of cover with you. To do so, please contact CONCORDIA Representation in Liechtenstein.
    • if the clinic will contact CONCORDIA directly for a confirmation of cover: We recommend that you bring your health insurance card with you when being admitted into the hospital.

    The doctor and the hospital must inform the patient fully about the treatment as well as about the financial consequences. In particular, the patient must be made aware if a treatment is not (completely) covered by the insurance.

    In any case, if there are any uncertainties, please consult CONCORDIA Representation in Liechtenstein before a planned hospital stay to find out how the assumption of costs are handled by CONCORDIA.

  • My toddler has to be hospitalised for an operation. I don't want to leave my daughter alone during this difficult period, and I would like to be there as much as possible for her. Can I stay with her in the hospital even overnight?

    The separation of an infant from the mother or a toddler from the parents can be stressful for both sides. To reduce this, most hospitals offer a so-called "rooming in" option. Parents may accompany a sick child in the hospital and remain with him for the duration of the stay. The reverse is also true: If, for example, the mother must be hospitalised, she is allowed to bring her toddler with her.


    CONCORDIA pays a contribution of a maximum of CHF 60 per day out of all hospital insurances towards the stay of an accompanying parent in the hospital where the child is staying or vice versa. It is irrelevant whether the patient is insured with PRIVATE, SEMIPRIVATE or GENERAL Hospital Insurance.


    CONCORDIA pays a maximum of CHF 60 out of the supplementary insurance DIVERSAcare and a maximum of CHF 100 out of DIVERSApremium per night of the stay of the accompanying parent in the hospital where the child (until the age of 10) is staying or vice versa (max. ten nights per calendar year).

  • In the near future, I'm in store for a serious operation. I would like to be treated for it in a German clinic of my choice. Does CONCORDIA assume the costs?

    With PRIVATE Hospital Insurance, you are free to choose your clinic or hospital around the world whilst enjoying full coverage in the private ward. In any case, before a planned hospital stay abroad, please contact CONCORDIA Representation in Liechtenstein at your earliest convenience so that the forthcoming hospital stay may be planned in an optimum manner.

     

    In addition, with PRIVATE Hospital Insurance, you benefit from the advantage of concordiaMed premium. With this comprehensive package of benefits, you have quick and direct access to doctors and hospitals. You also enjoy the best service and personal care and can take advantage of exclusive health counselling around the clock.

  • Unfortunately, this year I must be hospitalised for the second time. Now do I have to pay my deductible of CHF 5,000 again even though I already paid the first time in spring?

    No, the deductible is only paid once a year. Even if you must be hospitalised many times during the same calendar year, you only pay the deductible once. The situation is different when it comes to a hospital stay that lasts into the new year. In the event of a short-term hospital stay lasting up to 30 days, the deductible is charged only once. If the stay lasts more than 30 days, the deductible is charged for both years.

    However, with hospital insurance, the opportunity exists where no deductible must be paid. When being admitted into the hospital, you choose the ward in which you would like to be treated. If you have private insurance and, for example, you choose to stay in the semiprivate ward, you only pay half of the deductible. However, if you choose to be treated in the general ward, you will not be charged any deductible. Hospital insurance with a high deductible doesn't only allow for monthly discounts, but it also leaves some elbow room for personal decisions. 

Additional Information